Clay County property record for 2023 Cornell Rd, Middleburg, FL 32068
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,572 sqft · built 1977 |
| Lot Size | 0.859 acres (37,418 sqft) |
| Owner | Individual Name on File |
| Last Sale | $495,000 (Nov 2021) |
| Tax Bill | $5,722 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Jun 2022 Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 12-05-24-006175-004-00 |
| Primary APN | 12-05-24-006175-004-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 2,572 sqft Living Area |
| 1st Floor Area | 1,972 sqft |
| Flooring | Wood |
| Interior Walls | Plywood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Wood Siding |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 37,418 sqft (0.859 acres) |
| Lot Dimensions | 624 ft deep x 60 ft wide |
| Garage Type | Carport |
| Garage Area | 216 sqft |
| Carport | Carport |
| Carport Area | 216 sqft |
| Porch | Unfinished Open Porch |
|---|---|
| Porch Area | 266 sqft |
| Deck Area | 272 sqft |
| Balcony Area | 24 sqft |
| Storage Building | 342 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2023 CORNELL RD |
|---|---|
| City | MIDDLEBURG |
| State | FL |
| Zip | 32068-5107 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR-2 |
| Legal Description | TRACT C BLACK CREEK HILLS AS REC OR 4534 PG 449 |
| Legal Range | 24E |
| Legal Township | 05S |
| Legal Section | 12 |
| Legal Subdivision | BLACK CREEK HILLS |
| Legal Tract | C |
| Jurisdiction | CLAY FL |
| Township / Civil Division | MIDDLEBURG-CLAY HILL |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 30103 |
2023 Cornell Rd is owned and occupied by an individual who bought it in November 2021.
Source: Clay County records, as of July 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2023 CORNELL RD, MIDDLEBURG, FL 32068-5107 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 26, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNION FEDERAL CREDIT UNION |
| Jun 29, 2022 | Deed of Trust, Mortgage · Conventional Mortgage JAX FCU |
| Nov 12, 2021 | Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Mar 29, 2021 | Warranty Deed, Transfer TITLE AMERICA RE CLOSINGS INC, TITLE AMERICA RE CLOSINGS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 12, 2021 · Amount on File |
| Deed Sale | Nov 12, 2021 · Amount on File |
| Prior Sale | Mar 29, 2021 · Amount on File |
| Deed Document Number | 202171660 |
| Deed Book / Page | 4534 / 449 |
| Prior Transfer Date | Nov 30, 2007 |
| Prior Transfer Doc | 0029741732 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Jun 26, 2026 |
| Property Address | 2023 CORNELL RD, MIDDLEBURG, FL 32068-5107 |
| Document Number | 0000031534 |
| Book / Page | 5060 / 312 |
| Instrument Date | Jun 13, 2026 |
| Instrument | 202631534 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 2023 CORNELL RD, MIDDLEBURG, FL 32068-5107 |
| Document Number | 0000031534, |
|---|---|
| Date | Jun 26, 2026 |
| Book Page | 5060/312 |
| Instrument | 202631534 |
| Name | UNION FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jul 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 2023 CORNELL RD, MIDDLEBURG, FL 32068-5107 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2023 CORNELL RD, MIDDLEBURG, FL 32068-5107 |
| Document Number | 0046221899 |
|---|---|
| Date | Jun 29, 2022 |
| Book Page | 4622/1899 |
| Instrument | 2022039890 |
| Name | JAX FCU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32204 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2037 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Nov 12, 2021 |
| Property Address | 2023 CORNELL RD, MIDDLEBURG, FL 32068-5107 |
| Document Number | 0045340449 |
| Book / Page | 4534 / 449 |
| Map Reference | MB 7 PG 45&46 |
| Instrument Date | Nov 3, 2021 |
| Instrument | 2021071660 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2021 |
| Title Company | TITLE AMERICA RE CLOSINGS INC, TITLE AMERICA RE CLOSINGS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,465.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 154 RIVERWOOD DR, 154, ORANGE PARK, FL 32003-8158 |
| Name | Verified Name |
|---|---|
| Address | 2023 CORNELL RD, MIDDLEBURG, FL 32068-5107 |
| Document Number | 4534451 |
|---|---|
| Date | Nov 12, 2021 |
| Instrument | 4534/451 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Mar 29, 2021 |
| Property Address | 2023 CORNELL RD, MIDDLEBURG, FL 32068-5107 |
| Document Number | 0044350418 |
| Book / Page | 4435 / 418 |
| Map Reference | MB 7 PG 45 |
| Instrument Date | Mar 26, 2021 |
| Instrument | 2021018816 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2022 |
| Title Company | TITLE AMERICA RE CLOSINGS INC, TITLE AMERICA RE CLOSINGS |
| Amount | Amount on Record |
|---|---|
| Tax | $2,030.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1643 MAJESTIC VIEW LN, 1643, FLEMING ISLAND, FL 32003-3223 |
| Name | Verified Name |
|---|---|
| Address | 154 RIVERWOOD DR, FLEMING ISLAND, FL 32003-8158 |
The 2025 property tax bill for 2023 Cornell Rd was $5,722 with a homeowner's exemption.
Source: Clay County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Clay County |
| Unified School District | Clay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,722.00 Homeowner's exemption | $415,351 | $525,465 Land $65,000 Building $460,465 |
| 2023 | $5,885.00 (+4.9%) Homeowner's exemption | $391,890 (+3%) | $475,126 (+15.02%) Land $65,000 Building $410,126 |
| 2022 | $5,610.00 Homeowner's exemption | $380,476 | $413,071 Land $50,000 Building $363,071 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2023 Cornell Rd in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective July 6, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 77 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 77 in force |
| Nearby Flood Claims | 199 (1983–2023) |
| Claims Outside the SFHA | 17 of 199 |
| Most Recent Claim | Dec 2023 · river or lake flooding |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 2023 Cornell Rd is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · lower than 69% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ORANGE PARK GRID private · serves 127,904 people · EPA ID FL2100741 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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